CIVB(CIVB)
CIVB
Next earnings: Jul 23, 2026 · Before open
Signal
Mixed1↑1↓
PRICE
Prev Close
24.52
Open
24.30
Day Range24.13 – 24.49
24.13
24.49
52W Range18.95 – 28.31
18.95
28.31
56% of range
VOLUME & SIZE
Avg Volume
84.8K
FUNDAMENTALS
P/E Ratio
9.0x
Value territory
EPS (TTM)
—
Div Yield
0.02%
Beta
0.51
Low vol
Performance
1D
-1.22%5D↓
-2.96%1M
+1.30%3M
+1.55%6M↑
+10.49%YTD
+9.00%1Y
+1.94%Best: 6M (+10.49%)Worst: 5D (-2.96%)
Quick Read
Trend—Insufficient MA data
Momentum
BULLISH
67% gross marginValuation
CHEAP
P/E 9x vs ~20x sectorHealth
MODERATE
CR 1.0 (low) · FCF $568.80/shBullish
Key MetricsTTM
Market Cap$503.37M
Revenue TTM$247.41M
Net Income TTM$51.03M
Free Cash Flow$11.78B
Gross Margin67.2%
Net Margin20.6%
Operating Margin21.0%
Return on Equity10.2%
Return on Assets1.2%
Debt / Equity0.38
Current Ratio0.98
EPS TTM$2.46
Alpha SignalsView Intelligence →
Intelligence analysis not yet available for this stock. Full AI-powered analysis may be available on the intelligence page.
Health Radar
1 strong1 watch4 concern
28/100Liquidity
0.98Concern
Leverage
0.38Strong
Coverage
0.7xConcern
ROE
10.2%Watch
ROIC
1.0%Concern
Cash
$78MConcern
ANALYST COVERAGE8 analysts
BUY
▲ +11.5%upside to target
Stock Health
Composite Score
3 of 5 signals bullish
5/10
Technicals
●
✓RSI RangeRSI 50 — Bullish momentum
Volume
●
✗Volume FlowDistribution — institutional selling
Fundamentals
●
✓Last EarningsBeat estimates
●
✓Analyst ConsensusBuy
●
✗LiquidityCurrent Ratio 0.98 — liquidity risk
Upcoming Events
EEarnings ReportMay 17, 2026
Tomorrow
DEx-Dividend DateAug 14, 2026
In 90 days
PDividend PaymentAug 17, 2026
In 93 days
FinancialsFull statements →
Technicals
Technical SetupBULLISH
Technicals →Trend
▲ UptrendGolden Cross · 50D leads 200D by 5.5%
+2.5% vs SMA 50 · +8.0% vs SMA 200
Momentum
RSI50.0Neutral territory
MACD+0.19Above zero — bullish momentum · compressing
Market Position
Price Levels
52W High
$28.31+16.9%
Current
$24.22
EMA 50
$24.10-0.5%
EMA 200
$22.79-5.9%
52W Low
$18.95-21.8%
52-Week RangeMid-range
$18.9556th %ile$28.31
Squeeze SetupVolume-based
Distribution PressureDistribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.
20-Day Money Flow
Acc days:3
Dist days:1
Edge:+2 acc
Volume Context
Avg Vol (50D)85K
Recent Vol (5D)
61K-28%
Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.
Earnings & Analysts
ANALYST ESTIMATES
Consensus of 4 analysts
Analyst revisions:EPS↑ Revised UpRevenue↑ Revised Up
Analyst consensus estimates · Actuals replace estimates as reported
| Year | Revenue Est. | Rev Gth | EPS Est. | EPS Gth | Range | Analysts |
|---|---|---|---|---|---|---|
FY2023 | $147.5M $146.2M–$148.5M | — | $2.13 | — | ±1% | Low2 |
FY2024 | $155.2M $154.8M–$155.7M | ▲ +5.2% | $1.91 | ▼ -10.2% | ±1% | Moderate4 |
FY2025 | $172.1M $170.5M–$173.2M | ▲ +10.9% | $2.64 | ▲ +38.2% | ±2% | Moderate4 |
Range confidence:Tight (high)ModerateWide (low)
Earnings HistoryCIVB
Last 8Q
+18.6%avg beat
Beat 7 of 8 quartersMissed 1↑ Estimates rising+15%
Q3'24
+20%
Q4'24
+19%
Q1'25
+32%
Q2'25
-4%
Q3'25
+11%
Q4'25
+23%
Q1'26
+32%
Q2'26
Beat
Miss
Estimate
Deeper color = bigger beat/miss
Analyst Activity
All ratings →No recent activity
Hovde GroupOutperform → Market Perform
Aug 18
DOWNGRADE
Hovde GroupOutperform
Oct 29
UPGRADE
Insider Activity
SEC Filings →6 Buys/0 SellsNet Buying
Weaks Nathan EDir
$21K
Nov 18
BUY
Weaks Nathan EDir
$10K
Aug 21
BUY
Weaks Nathan EDir
$10K
Aug 18
BUY
Whinnem IanSVP/CFO
$29K
Aug 5
BUY
Weaks Nathan EDir
$19K
Jul 31
BUY
Weaks Nathan EDir
$4K
Jul 30
BUY
Financials
Dividends2.89% yield
+7.0% avg annual growthAnnual Yield2.89%
Quarterly Div.$0.1800
Est. Annual / Share$0.72
FrequencyQuarterly
Q3'24
Q4'24
Q1'25
Q2'25
Q3'25
Q4'25
Q1'26
Q2'26
Dividend per payment — last 8 periods
INSTITUTIONAL OWNERSHIP
1
BlackRock, Inc.
1.5M▲2
WELLINGTON MANAGEMENT GROUP LLP
1.3M▼3
DIMENSIONAL FUND ADVISORS LP
950K▲4
ALLIANCEBERNSTEIN L.P.
946K▼5
ENDEAVOUR CAPITAL ADVISORS INC
621K▲6
MANUFACTURERS LIFE INSURANCE COMPANY, THE
575K▼7
GEODE CAPITAL MANAGEMENT, LLC
488K▲8
STATE STREET CORP
400K▼News & Activity
CIVB News
About
No description available.
Sector
Industry
Monetary Authorities-Central Bank
CEO
Dennis Shaffer
Website
Ian WhinnemSenior VP, Treasurer & CFO
Robert L. Curry Jr.Senior Vice President
Russel J. Edwards Jr.Senior Vice President
Peers— Financial Services(7 companies)
Screen sector →| Symbol | Price | Day % | Mkt Cap↓ | P/E | Rev Grw | Margin | ELO |
|---|---|---|---|---|---|---|---|
CIVB◀ | $24.22 | -1.22% | $503M | 9.8 | +539.6% | 1812.6% | 1500 |
| $297.81 | -0.70% | $798.0B | 14.1 | +330.7% | 2039.3% | 1503 | |
| $325.75 | +1.00% | $624.4B | 28.0 | +1134.0% | 5014.5% | 1500 | |
| $494.20 | +0.87% | $436.7B | 28.3 | +1641.6% | 4564.7% | 1490 | |
| $49.77 | -0.16% | $353.2B | 11.4 | -45.1% | 1592.6% | 1495 | |
| $192.51 | -1.04% | $303.6B | 16.6 | +1147.7% | 1466.4% | 1526 | |
| $948.47 | -2.11% | $279.8B | 15.9 | -138.4% | 1373.0% | 1526 | |
| Sector avg | — | -0.48% | — | 17.7 | +658.6% | 2551.9% | 1506 |